Analysis Of The Measure Of Rural Financial Service Level And Of Its Influencing Factors In China

In recent years, with the rapid development of rural economy, rural finance has also been taken a high degree of attention, mainly because rural finance play a great role in the development of rural economy. China has paied great attention to the development of agriculture, rural areas and farmers which is the key of the national development. Since2004, our country has made no.1regulations every year, which are attached great importance to "three agriculture’" problem and the urgency to solve the problem of "three agriculture". Rural finance can promote the development of rural economy, which is the most important development issue of rural economy, and it is also the key to solve the "three agriculture" problem. However, there are still many problems of service level in the present stage of China’s rural financial. Therefore, how to improve the rural financial service level of rural financial development is become a priority question. The rural financial service level is related to the development of rural economy and the popularity of financial services, improve the rural financial service level can promote the development of rural finance so as to benefit more rural residents. Thus, the study of rural financial service level has not only theoretical significance, but also has practical significance.This study analysis and summarizes the connotation of the rural financial service level, based on theoretical analysis of the theory of dual economy, rural financial development theory, rural financial market. According to the new progress of financial development as the theoretical guidance, build the rural financial service level evaluation scoring system, and measure the rural financial service level in different areas. Based on the grading results of different provinces and cities, we found that there are big differences in the rural financial service level. What’s more, we have built a panel data model, select relevant influence factors, through analysis ten years data of2003-2012, we measured the correlation among the influence factors of rural financial service level, and found out the reason why there are differences between different parts of the financial service level. By analyzing these reasons in detail, according to the empirical research results from improving the institutional environment, we improved the service level of financial institutions, and enhanced the popularization of farmers’ financial knowledge, etc., and put forward a feasible countermeasures and suggestions to solve the concrete problems existing in the rural financial service, in order to improve service, service system and service level, so as to promote the development of rural finance. This study delves into improve the rural financial service level, enhance the financial service level in application, and research the rural financial theoretical. By measuring the service level of China’s rural financial, analyzing the present situation and made an empirical research, which could provide theoretical guidance and decision-making basis for the rural financial development.